> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rc.cleverhub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Hello Clever Developer Documentation

> REST APIs for real-time account-to-account payments, cards, multi-currency, and instant cashback, with webhooks, a full sandbox, and platform plugins.

<div className="hc-page">
  <section className="hc-hero">
    <div className="hc-hero-grid" aria-hidden="true" />

    <div className="hc-wrap hc-hero-inner">
      <div className="hc-hero-copy">
        <span className="hc-eyebrow">Developer documentation</span>
        <h1 className="hc-h1">Build your first<br /><span className="hc-acc">payment flow,</span><br />anywhere.</h1>

        <p className="hc-sub">
          Step-by-step guides, API references, and a full sandbox: plug into your store
          platform or build on the API, then go live in any market you serve.
        </p>

        <div className="hc-cta-row">
          <a className="hc-btn hc-btn-primary" href="/integration-keys">
            Get your API keys

            <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2" strokeLinecap="round" strokeLinejoin="round">
              <path d="M5 12h14" />

              <path d="m13 6 6 6-6 6" />
            </svg>
          </a>

          <a className="hc-btn hc-btn-ghost" href="/api/overview">API reference</a>
        </div>

        <div className="hc-quicklinks" role="navigation" aria-label="Developer quick links">
          <span className="hc-ql-label">Jump to</span>
          <a href="/api/authentication">Authentication</a>
          <a href="/api/webhooks">Webhooks</a>
          <a href="/api/overview#base-urls">Sandbox & base URLs</a>
        </div>
      </div>

      <div className="hc-hero-art" aria-hidden="true">
        <svg className="hc-spark hc-spark-1" viewBox="0 0 24 24" fill="currentColor">
          <path d="M12 0c.6 6.4 5 10.8 12 12-7 1.2-11.4 5.6-12 12-.6-6.4-5-10.8-12-12C7 10.8 11.4 6.4 12 0Z" />
        </svg>

        <svg className="hc-spark hc-spark-2" viewBox="0 0 24 24" fill="currentColor">
          <path d="M12 0c.6 6.4 5 10.8 12 12-7 1.2-11.4 5.6-12 12-.6-6.4-5-10.8-12-12C7 10.8 11.4 6.4 12 0Z" />
        </svg>

        <div className="hc-code-panel" aria-hidden="true">
          <div className="hc-code">
            <span className="hc-code-brace">\{</span>
            <span className="hc-code-line"><span className="hc-code-key">"event\_type"</span>: <span className="hc-code-str">"payment.succeeded"</span>,</span>
            <span className="hc-code-line"><span className="hc-code-key">"amount"</span>: <span className="hc-code-str">"128.00"</span>,</span>
            <span className="hc-code-line"><span className="hc-code-key">"currency"</span>: <span className="hc-code-str">"USD"</span>,</span>
            <span className="hc-code-line"><span className="hc-code-key">"payment\_method"</span>: <span className="hc-code-str">"card"</span>,</span>
            <span className="hc-code-line"><span className="hc-code-key">"status"</span>: <span className="hc-code-str">"succeeded"</span>,</span>
            <span className="hc-code-line"><span className="hc-code-key">"settlement\_region"</span>: <span className="hc-code-str">"multi"</span></span>
            <span className="hc-code-brace">}</span>
          </div>
        </div>

        <div className="hc-float hc-float-payment">
          <span className="hc-tag">Payments</span>
          <div className="hc-amount">\$128.00</div>

          <span className="hc-skel hc-skel-lg" />

          <div className="hc-skel-row">
            <span className="hc-skel-block" />

            <span className="hc-skel hc-skel-sm" />
          </div>
        </div>

        <div className="hc-float hc-float-methods">
          <div className="hc-method-icons">
            <span className="hc-method-chip">
              <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="1.8">
                <rect x="2" y="5" width="20" height="14" rx="2" />

                <path d="M2 10h20" />
              </svg>
            </span>

            <span className="hc-method-chip">
              <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="1.8">
                <path d="M20.6 13.4 12 22l-8.6-8.6a4 4 0 0 1 0-5.7l2.7-2.7a4 4 0 0 1 5.7 0l.2.2.2-.2a4 4 0 0 1 5.7 0l2.7 2.7a4 4 0 0 1 0 5.7Z" />
              </svg>
            </span>

            <span className="hc-method-chip">
              <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="1.8">
                <path d="M3 21h18M4 10h16M5 10 12 4l7 6M6 10v11M18 10v11M10 10v11M14 10v11" />
              </svg>
            </span>

            <span className="hc-method-more">+19</span>
          </div>

          <div className="hc-method-labels">
            <span>USD</span><span>AUD</span><span>JPY</span>
          </div>
        </div>

        <div className="hc-float hc-float-checkout">
          <div className="hc-checkout-head">
            <span className="hc-checkout-ico">
              <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="1.8">
                <circle cx="12" cy="12" r="9" />

                <path d="M3 12h18M12 3c2.5 2.7 2.5 15.3 0 18M12 3c-2.5 2.7-2.5 15.3 0 18" />
              </svg>
            </span>

            <span className="hc-checkout-title">Unified Checkout</span>
          </div>

          <div className="hc-stat"><strong>25+</strong> currencies</div>
          <div className="hc-stat"><strong>54+</strong> payment methods</div>

          <span className="hc-skel hc-skel-lg" />
        </div>
      </div>
    </div>
  </section>

  <div className="hc-wrap">
    <section className="hc-section">
      <p className="hc-kicker">Quickstart</p>
      <h2 className="hc-lead">From signup to your first payment</h2>

      <Columns cols={4}>
        <Card title="1. Create an account" icon="user-plus" href="/create-merchant-account">
          Sign up and complete KYC to get access to the Merchant Portal.
        </Card>

        <Card title="2. Get your keys" icon="key" href="/integration-keys">
          Create a Payments Account, then copy your app ID and secret key.
        </Card>

        <Card title="3. Call the sandbox" icon="terminal" href="/api/overview#base-urls">
          Build against the sandbox base URLs, then switch to production.
        </Card>

        <Card title="4. Listen for webhooks" icon="webhook" href="/api/webhooks">
          Verify signed events and reconcile them against your orders.
        </Card>
      </Columns>

      <div className="hc-lede">
        Every endpoint across all five APIs takes the same header pair. See [Authentication](/api/authentication).
      </div>

      ```bash Sandbox request theme={null}
      curl --request GET \
        --url https://api.cleverhub.co/api/v2/payins/payin_methods \
        --header 'app-id: YOUR_APP_ID' \
        --header 'secret-key: YOUR_SECRET_KEY'
      ```

      <Columns cols={2}>
        <Card title="Prefer no code?" icon="puzzle-piece" horizontal href="/integrations/choosing-integration">
          Install a plugin for Shopify, WooCommerce, Magento, OpenCart, Tyro, Shopline, or Xero.
        </Card>

        <Card title="New to these rails?" icon="book-open" horizontal href="/platform-overview/payment-concepts/overview">
          How PayID, PayTo, NPP, ACH, and card networks actually move money.
        </Card>
      </Columns>
    </section>

    <section className="hc-section">
      <p className="hc-kicker">Products</p>
      <h2 className="hc-lead">Explore by what you're building</h2>

      <div className="hc-cards">
        <Columns cols={3}>
          <Card title="Real-time Payin" img="https://mintcdn.com/helloclever-8a6f7f0c/fl6lGpZKL5N5p8CV/images/home/real-time-payin.svg?fit=max&auto=format&n=fl6lGpZKL5N5p8CV&q=85&s=9c6e199160087ce68fa6e8eb6d3e3168" href="/services/real-time-payin" width="800" height="400" data-path="images/home/real-time-payin.svg">
            Collect account-to-account payments that clear in seconds: PayID in Australia, plus real-time rails in Japan, the US, and Asia.
          </Card>

          <Card title="Payouts" img="https://mintcdn.com/helloclever-8a6f7f0c/fl6lGpZKL5N5p8CV/images/home/payouts.svg?fit=max&auto=format&n=fl6lGpZKL5N5p8CV&q=85&s=d414feb31f4fcaface6f35c433280930" href="/services/payout" width="800" height="400" data-path="images/home/payouts.svg">
            Disburse to bank accounts, virtual accounts, and mobile money wallets, single or in bulk.
          </Card>

          <Card title="Card payments" img="https://mintcdn.com/helloclever-8a6f7f0c/fl6lGpZKL5N5p8CV/images/home/cards.svg?fit=max&auto=format&n=fl6lGpZKL5N5p8CV&q=85&s=2418b7cc72050a2e2682e81b4d666b05" href="/services/card-payin" width="800" height="400" data-path="images/home/cards.svg">
            Accept cards through the JavaScript SDK or server-to-server, with tokenisation, 3DS, and refunds.
          </Card>

          <Card title="Instant Cashback" img="https://mintcdn.com/helloclever-8a6f7f0c/fl6lGpZKL5N5p8CV/images/home/instant-cashback.svg?fit=max&auto=format&n=fl6lGpZKL5N5p8CV&q=85&s=a902c1a885a6a8abfe52079d70d40a61" href="/services/instant-cashback" width="800" height="400" data-path="images/home/instant-cashback.svg">
            Fund and settle rewards the moment a payment clears, driving repeat purchases without a loyalty stack.
          </Card>

          <Card title="Multi-Currency & FX" img="https://mintcdn.com/helloclever-8a6f7f0c/fl6lGpZKL5N5p8CV/images/home/multi-currency-fx.svg?fit=max&auto=format&n=fl6lGpZKL5N5p8CV&q=85&s=14bd88dd46bb64f83fba510c36ea023d" href="/services/multi-currency-fx" width="800" height="400" data-path="images/home/multi-currency-fx.svg">
            Hold balances, convert between currencies, and settle in the currency your customers actually pay in.
          </Card>

          <Card title="Clever AI" img="https://mintcdn.com/helloclever-8a6f7f0c/fl6lGpZKL5N5p8CV/images/home/clever-ai.svg?fit=max&auto=format&n=fl6lGpZKL5N5p8CV&q=85&s=f028c8a8322b9f3da37fcb872dd5ca28" href="/clever-ai/actionable-insights" width="800" height="400" data-path="images/home/clever-ai.svg">
            Actionable insights and cash-flow forecasting built on your store and payment data.
          </Card>
        </Columns>
      </div>
    </section>

    <section className="hc-section">
      <p className="hc-kicker">API reference</p>
      <h2 className="hc-lead">Five APIs, one header pair</h2>

      <Columns cols={2}>
        <Card title="Payment Gateway (AUD)" icon="money-bill-wave" href="/api/v1/introduction">
          PayID, PayTo agreements, BSB and account number transfers, and AUD payouts.
        </Card>

        <Card title="Multi-Currency Payments" icon="money-bill-1-wave" href="/api/v2/introduction">
          Payins and payouts beyond AUD, including mobile money, virtual accounts, and bank lookup.
        </Card>

        <Card title="Payment Gateway 3" icon="globe" href="/api/v3/introduction">
          A hosted checkout that handles every currency through one integration, no payment UI to build.
        </Card>

        <Card title="Card API" icon="credit-card" href="/api/card/overview">
          Client-side SDK or server-to-server card processing, with saved tokens for repeat payments.
        </Card>

        <Card title="Cashback API" icon="gift" href="/api/cashback/overview">
          Create and manage cashback campaigns, then pay rewards out against them.
        </Card>

        <Card title="Authentication & webhooks" icon="lock" href="/api/authentication">
          The `app-id` and `secret-key` headers, access tokens, signature verification, and retry behaviour.
        </Card>
      </Columns>
    </section>

    <section className="hc-section">
      <p className="hc-kicker">Guides</p>
      <h2 className="hc-lead">Build a complete flow</h2>

      <Columns cols={2}>
        <Card title="Accept instant payments with AUD PayID" icon="bolt" horizontal href="/developer-reference/api-use-cases/accept-instant-payments-with-aud-payid" />

        <Card title="Build recurring billing with PayTo agreements" icon="arrows-rotate" horizontal href="/developer-reference/api-use-cases/build-recurring-billing-with-payto-agreements" />

        <Card title="Handle multi-currency payins and payouts" icon="right-left" horizontal href="/developer-reference/api-use-cases/handle-multi-currency-payins-and-payouts" />

        <Card title="Drive loyalty with cashback campaigns" icon="gift" horizontal href="/developer-reference/api-use-cases/drive-loyalty-with-cashback-campaigns" />

        <Card title="Issue and manage cards" icon="credit-card" horizontal href="/developer-reference/api-use-cases/issue-and-manage-cards" />

        <Card title="Manage balances and move money" icon="coins" horizontal href="/platform-overview/clever-concepts/balance-management-guide" />
      </Columns>
    </section>

    <section className="hc-section">
      <p className="hc-kicker">Keep going</p>

      <Columns cols={3}>
        <Card title="Merchant Portal" icon="gauge-high" href="/portal/overview">
          Reconcile payins and payouts, check balances, and run cashback campaigns without writing code.
        </Card>

        <Card title="Security & compliance" icon="shield-halved" href="/security/api-security">
          API and card security, fraud monitoring, SOC 2, KYC, and how we handle your data.
        </Card>

        <Card title="Support" icon="life-ring" href="https://support.helloclever.co/merchant-knowledge-base">
          Search the merchant knowledge base or reach the team when you need a hand.
        </Card>
      </Columns>
    </section>

    <section className="hc-section">
      <Note>
        First time here? Start with the [getting started guide](/getting-started/introduction),
        or see [how Hello Clever works](/getting-started/how-it-works) for the platform in one page.
      </Note>
    </section>

    <section className="hc-section" />
  </div>

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## Related topics

- [Generate Share Token Using Sumsub API](/api/contact/generate-share-token-using-sumsub-api.md)
- [Merchant Portal Overview](/portal/overview.md)
- [Create KYC for Beneficiary](/api/aud-payout/create-kyc-for-beneficiary.md)